DRIVING in the snow is dangerous enough – especially if your car is uninsured and you have an accident.
You’ll want to know the rules in place before The North Pole will take place this weekend.
Weather forecasters estimate the cold spell will send up to 20 inches of snow in parts of the country.
It can make driving very difficult, as winds of up to 80mph are also expected.
Here are the insurance rules around using your engine in adverse weather conditions and some tips for checking if you’re covered.
Is my car covered in snow?
Your car insurance will still be valid if you take it out snow – but be warned.
If your insurance company believes you were negligent in causing damage to your vehicle, any claim can be questioned.
So if you take a risk and go in a severe amber or red weather warning and end up in an accident, you could get fired.
Kevin Pratt, Consumer Affairs Specialist at MoneySuperMarket, told Scottish Sun : “Your insurance will still be valid in any weather, but don’t take it as a green flag to drive without heeding the red snow warning.
“Simply knowing you’ll get a payout doesn’t mean you’re taking undue risk.
“If your insurance company can prove contribution negligence on your part, your claim could be questioned and any payments reduced.
He says you may not even be entitled to recovery by your roadside rescue policy.
Kevin added: “The same applies if you go down the street against the official no-road sign and then get involved in an accident.”
Direct Line spokesman Simon Hendrick added: “We would advise all customers for their personal safety to listen to local news and local authorities about venturing out in severe weather. harsh.
“But it doesn’t make your insurance void.
“People should be careful when the weather is too extreme and shouldn’t really venture out unless it’s absolutely necessary.”
A spokesman for the Association of British Insurers added: “We urge all motorists to heed advice from local authorities and emergency services in affected areas. by snow – especially places with red warnings.
“People’s safety is paramount. However, the rumor on social media that motorbike insurance will be worthless if people drive on red warnings is not true.
“Motorcycle insurance will cover you normally, as long as you’re driving within the law.”
ARE YOUR COVER TYPE HAS A RED WARNING?
“If you have comprehensive car insurance, you will be covered for damage to your own vehicle and any other vehicle or property for which you are responsible for any damage caused to your vehicle. out.
“With third-party insurance, you won’t receive any payments for your vehicle, but your debts will be covered.
“If your vehicle is damaged but you cannot trace the driver responsible, you can claim against your comprehensive policy, but you will be sacrificing the excess of your policy.
“For serious accidents where the responsible driver cannot be found, your insurance company should contact you with the Motor Insurance Company’s Office, which can issue claims. “
How to drive in the snow without breaking the law
This seemingly innocent practice is something to avoid if you don’t want to be fined or breach the terms of your insurance.
- Defrosting your car – lazily
But you could void your insurance if you leave the engine running unattended.
That’s because most brokers will refuse to pay if the driver fails to properly perform their “duty of care” – a common clause in the contract.
- Driving with snow still on the roof: While there snow on your roof isn’t prohibited, it could sink you deep into the law. If rocks land on your windshield or on another vehicle, you can be fined for driving without “due consideration”. More seriously, you could be considered to be using a motor vehicle “in danger”.
- Don’t clean all your windows or lights: Every glass used to see from there, even your car’s head and tail lights, needs to be scrubbed away from ice and condensation to ensure you’re in compliance with the law. “The Highway Code states that if you’re driving in adverse weather conditions, you are required by law to be able to see every glass in your vehicle,” the RAC said. This is supported by section 41D of the Road Traffic Act 1988, which means you must have a clear view of the road ahead before you depart. “
- Do not de-ice your license plate: Even your license plate needs to be free of ice and snow. Motorists can be accused of knowingly avoiding detection by speed cameras by covering them up. “In addition, it is also the law that all lights and number plates must be clearly visible,” explains the RAC.
https://www.thesun.co.uk/motors/5708431/car-insured-snow-drive-uk-weather/ Is my car covered in snow? Here’s how to find out if you’re protected when driving in adverse UK weather conditions